CC charges help asap

sugaJen

Sorry to be sooo impatient but my internet aint working so im at a friends and could really do with a reply before I go home.

My mum is claiming her capital one charges back a total of £1030 she got a letter from them saying they dont agree with what she has said and their charges are legal but as a gesture of goodwill they are offering £480, now she doesnt know whether to accept it or file a claim??

Normally I would search around for her on here but with no net at home I dont have alot of time. Me and my mum would be VERY grateful if someone can advise

Many thanks in advance.

Jen

isgman

I "don't know" the answer... However,,, IF they say that their charges are "Legal"... Why oh Why are they giving you (your mum) £480... thats some "goodwill"...

sugaJen

isgman Exactly my thoughts.

Floss

Tell her to accept their "goodwill" offer, but stating that she will be submitting a claim for the outstanding balance.

Gemmzie

Floss wrote:

Tell her to accept their "goodwill" offer, but stating that she will be submitting a claim for the outstanding balance.

The people at the board for this advise the opposite.

If you accept the goodwill offer then you cannot fight your claim any further

crawley_girl

I was offered half from Sainsburys Bank and I said 'thanks, I'll have what you are offering and then I'll submit a claim for the outstanding'

They wrote back and said no. So I filed and then within 2 weeks I had the full balance back!

Cap One caved fairly early on... I recall that they didn't even offer a defence so I won by default. Easiest so far!

:heartpuls CG :heartpuls

Broken_hearted

Take what feels right for you. Well done on standing up to them.

undersecter

sugaJen wrote:

Sorry to be sooo impatient but my internet aint working so im at a friends and could really do with a reply before I go home.

My mum is claiming her capital one charges back a total of £1030 she got a letter from them saying they dont agree with what she has said and their charges are legal but as a gesture of goodwill they are offering £480, now she doesnt know whether to accept it or file a claim??

Normally I would search around for her on here but with no net at home I dont have alot of time. Me and my mum would be VERY grateful if someone can advise

Many thanks in advance.

Jen

talk to a lawyer(loads in yellow pages) they can give you free advice wheather what captial one did is a illigal or not. then obvsiouly if it is illegal take all the money back if its not take the goodwill gesture.

they might be given you the good will gesture to not make there company look to bad, or they may feel so for you.

Remeber these compines are so rich that kind of money is peanuts to them.